Business Details
24 Years
experience
Independent Financial Planning & Mortgage Advice
Heritable Financial Planning is a whole-of-market independent financial and mortgage advisory firm established in 2002. As a family-run business with over 40 years of combined experience, we specialise in providing bespoke, transparent advice tailored to individual client needs. Our approach prioritises long-term relationships built on trust, ensuring clients attain and retain wealth through strategic financial planning and mortgage solutions. We serve a diverse clientele across Scotland and beyond, supported by a strong network of professional contacts including accountants and solicitors.Our expertise spans complex financial scenarios such as estate planning, retirement strategies, and buy-to-let mortgages. We utilise advanced financial planning software and maintain a client-centric process, involving individuals at every stage of their financial journey. Our fee structure is transparent, with options to offset costs against lender fees. We pride ourselves on simplifying financial decisions while maintaining compliance with regulatory standards.
Services
Financial Planning
Mortgages
Estate Planning
Retirement Strategies
Buy-to-Let Mortgages
Wealth Management
Inheritance Tax Planning
Self-Invested Pensions
Income Protection
Investment Advice
Details
- Year established: 2002
Highlights and features
- We offer bespoke and transparent advice tailored to individual needs
- We take time to ensure clients receive the best market deals
- We are a whole-of-market company with no lender restrictions
- We provide personal service as a small family-run business
- We build long-standing relationships through continuous reassessment of client needs
What people say
Professional and efficient
Best deals available
Personal service
Transparent advice
Long-standing relationships
Services
Financial Planning
Our financial planning service creates tailored strategies to help clients achieve long-term wealth retention and growth. We specialise in retirement planning, inheritance tax mitigation, and investment optimisation. Using sophisticated financial modelling tools, we develop bespoke plans that align with individual goals while ensuring compliance with regulatory standards.
Mortgage Advice
We provide comprehensive mortgage advisory services for residential and buy-to-let properties, including self-build projects and complex cases. Our whole-of-market approach ensures access to competitive rates while offering personalised guidance through the entire mortgage process from initial fact-find to completion.
Estate Planning
Our estate planning solutions focus on minimising inheritance tax liabilities and ensuring smooth wealth transfer. We combine trust structures with pension planning strategies to create comprehensive frameworks that protect assets while maintaining compliance with current legislation.
People
Colin McCallum
Founder
Colin founded Heritable Financial Planning in 2002 after a 20-year banking career including senior roles at Clydesdale Bank. He specialises in wealth management and estate planning, bringing extensive leadership experience and client relationship expertise to complex financial scenarios.
Cameron McCallum
Financial Adviser
Cameron joined Heritable Financial Planning in 2018 with a decade of property sector experience. He holds a Diploma in Financial Planning and specialises in mortgage solutions, leveraging his property market knowledge to deliver tailored financing strategies for residential and buy-to-let clients.
Catherine McCallum
Client Services
Catherine joined Heritable Financial Planning in 2020, bringing 12 years' experience in property management and digital marketing expertise from running her own online retail business. She focuses on client relationship management and digital communication strategies.
Questions
What financial services do you offer?
We provide comprehensive financial planning, mortgage advisory services, estate planning, pension strategies, and investment management tailored to individual client needs.
Are you independent financial advisers?
Yes, we are whole-of-market independent advisers with access to the entire mortgage and financial product market without restrictions to specific providers.
How do you charge for your services?
Our fees are transparent and based on either hourly rates or a percentage of invested sums, with options to offset fees against lender procuration charges where applicable.
Do you work with first-time buyers?
Yes, we assist all clients including first-time buyers, offering tailored mortgage solutions and financial planning advice to help achieve property ownership goals.
How experienced is your team?
Our team has over 40 years combined experience in financial services, with specialists in mortgage advisory, wealth management, and property finance sectors.
Can you help with complex financial cases?
Yes, we specialise in complex cases including high-net-worth individuals, self-employed clients, and those with unique financial circumstances requiring tailored solutions.
